Small Business & Charity Insurance
You’re free to keep running your business, safe in the knowledge you’ll still have one when it’s all over. Business interruption insurance covers your business’s income if you can’t trade because your property is damaged. We can’t cover you for any business interruption that arises as a result of Covid-19 or other pandemic events. From public liability to vehicle insurance, our policies – and optional extras – will help protect your livelihood. Good health for you and your employees is vital to keeping your business running. We offer a number of products and services to help and support your staff.
A micro business is defined as an enterprise that employs nine people or fewer. As of 2017, micro businesses count for 96% of the UK’s business landscape and, as you might expect, http://www.bakkerenleenheer.com/ there are many different types of micro business. Below is a summary of a generic policy, from 22 June 2021 onwards, which shows the main covers and exclusions in our policies.
Cover To Top Up Your Buildings And Contents Insurance
Whether you’re a self-employed cleaner, tradesman, beauty therapist or dog walker, you want specialist small business insurance tailored to your needs – so that’s what we provide. And as landlords need flexible cover too, our landlord insurance can cover things like buildings, contents and loss of rent. Employers liability insurance protects you, your business and your employees, if a member of staff makes a claim. For example, a member of staff falling off scaffolding, or an office employee tripping over a cable and breaking their wrist. It is possible to take out business insurance before you receive your trade licence. This offers the reassurance that you’re covered as soon as you launch your business.
- You’re covered for theft of tools when they’re locked in your vehicle overnight that’s parked on your drive, the street or if you’re working away.
- Barclays Insurance Services Company Limited and Barclays Investment Solutions Limited are each authorised and regulated by the Financial Conduct Authority.
- An employers’ liability insurance policy minimises disruption by helping with the costs of defending or settling a legal claim.
- This is your space to sign in and view your quotes and policies.
- From skills to ideas, apprentices can bring big benefits to small businesses.
Product liability cover might be especially important in the retail and technology sectors and Hiscox can build it into your public liability cover. If you have employees, unless your business is exempt, you’re legally required to have at least £5 million of employers’ liability insurance. Event organisers, for example, may need to see proof of public liability insurance before letting you trade at their craft fair.
We Offer Insurance For A Wide Range Of Businesses, Including:
As well as full-time employees, you might also need cover for part-time staff, volunteers and casual helpers. An employers’ liability insurance policy minimises disruption by helping with the costs of defending or settling a legal claim. Employment practices liability is slightly different and protects the managers of a business against employee claims. business insurance protects businesses against losses suffered in the course of their normal activities, particularly when the business faces a compensation claim. Covers include professional indemnity insurance, public liability insurance, and employers’ liability insurance.
Why Choose Hiscox To Protect Your Business?
Whether you work at home, at fairs, in shared workspaces or visit a lot of clients, we’ve got you covered. And when you insure stock at your premises or home, you’ll also get an extra 25% of stock covered for two months of your choice as standard, ideal for your busiest periods. If there is an insured event such as flood or fire at your work premises, buildings insurance will cover the costs of repairing the damage, helping you get back up and running. This covers the legal and compensation costs you are required to pay if an employee gets injured or becomes ill because of the work they do for you. Employers’ liability insurance is a legal requirement if you have employees.